HDFC 6E Rewards Indigo Credit Card

About HDFC 6E Rewards Indigo Credit Card

Are you tired of paying full price for your Indigo flights when you could be flying for less? The HDFC 6E Rewards Indigo Credit Card is built for travelers who stick to India's most popular budget airline. If you find yourself booking with Indigo more than a few times a year, this card transforms your everyday grocery runs and dinner dates into discounted airfare.

This card offers a massive head start with welcome vouchers worth ₹2,600, which is more than five times the joining fee of ₹500. It is a straightforward tool for budget-conscious travelers who want to earn rewards that actually matter. Every point you earn goes straight to your Indigo account as a 6E Reward, where 1 reward point equals ₹1.

Designed for young professionals and small business owners earning between ₹6 lakh and ₹7.2 lakh annually, this card fits perfectly into the lifestyle of someone who values efficiency over complex luxury. It focuses on what you actually do: buy groceries, eat out, and travel for work or leisure.

What sets it apart:

• Instant Value: Unlike cards that make you wait a year for benefits, this one gives you a ₹1,500 flight voucher just for starting out.
• Indigo Ecosystem: Every 100 rupees spent on groceries or dining gets you 2 6E Rewards, making it easier to save for your next trip.
• Priority Experience: The 6E Prime add-on included in the welcome package gives you perks like choice of seat and a complimentary meal, things you usually pay extra for.

Quick check: To qualify for this card, you should be between 21 and 60 years old with a credit score of at least 720. If you are salaried, you need an annual income of ₹6 lakh, while self-employed individuals need ₹7.2 lakh.

Let’s break down why this card stands out in the crowded market of travel credit cards:

Key Benefits & Features of HDFC 6E Rewards Indigo Credit Card

The HDFC 6E Rewards Indigo Credit Card is all about maximizing your travel budget through daily spends. Here is a detailed look at how the benefits stack up:

The Welcome Gift: A Flying Start

Most entry-level cards offer modest welcome points, but this card goes aggressive. When you pay your joining fee of ₹500 and make at least three transactions every month for the first three months, you get a complimentary Indigo flight voucher worth ₹1,500. On top of that, you receive a 6E Prime add-on voucher worth ₹1,099. This add-on is a game-changer for frequent flyers as it includes a snack, a choice of seat, and priority check-in. Combined, these benefits give you ₹2,600 in value right at the start. Note that these vouchers are valid for six months from the date they are posted to your account.

Earning Rewards on Everyday Spends

The card turns your routine expenses into travel savings. You earn 2 6E Rewards for every ₹100 spent on groceries, dining, and entertainment. If you spend ₹5,000 a month in these categories, you hit the monthly cap of 100 6E Rewards. Since 1 reward point equals ₹1, that is a direct savings of ₹100 per month on your flight bank. While the cap is relatively low, it is a consistent way to chip away at the cost of your next Indigo ticket.

Fuel and Surcharge Benefits

Even your trips to the petrol pump help you travel by air. You earn 1 6E Reward for every ₹100 spent on fuel. Additionally, the card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. You can save up to ₹250 per statement cycle through this waiver, which helps offset the rising cost of fuel. It is important to note that while you earn rewards on fuel, the surcharge waiver is capped, so it is best used for standard fill-ups rather than commercial-scale refueling.

Dining Discounts via Swiggy Dineout

As part of the Good Food Trail Program, you can access up to 7.5% savings when you pay your restaurant bills through Swiggy Dineout. This is a solid perk for urban dwellers who enjoy exploring new cafes and restaurants. This benefit is separate from the standard 2% reward rate on dining, allowing you to stack savings at partner outlets.

HDFC Bank Exclusive Offers

Being an HDFC cardholder gives you access to the SmartBuy and SmartPay platforms. You can earn up to 5% cashback on SmartBuy (capped at ₹1,000 per month) for various shopping and travel bookings. For your utility bills and recurring payments, using SmartPay can also net you up to 5% cashback, again capped at ₹1,000 per month. This is an excellent way to get liquid cash back into your account while your 6E Rewards build up for flights.

Fee Structure and Eligibility

The card comes with a joining fee of ₹500 and an annual fee of ₹500. The bank does not offer a spend-based waiver for the annual fee on this variant, but the rewards you earn from regular use should easily cover this cost. To apply, you must be a resident of India. Salaried applicants need a minimum monthly income of ₹50,000 (₹6 LPA), while self-employed individuals need an ITR reflecting at least ₹7.2 LPA. A healthy CRIF score of 720 or higher is required for a smooth approval process.

How to Apply?

Applying for the HDFC 6E Rewards Indigo Credit Card is a simple process that can be completed online or offline. Follow these steps to get started:

1. Visit the official HDFC Bank website or the Indigo website and navigate to the credit cards section.
2. Locate the HDFC 6E Rewards Indigo Credit Card and click on the "Apply Now" button.
3. Enter your mobile number and verify it using the OTP sent to your phone.
4. Fill in your personal details, including your name, date of birth, and email address. Ensure you meet the minimum age of 21.
5. Provide your employment details. Remember, you need an annual income of at least ₹6 lakh if salaried or ₹7.2 lakh if self-employed to meet the eligibility criteria.
6. Submit your digital application. The bank will check your CRIF score (aim for 720+) to determine your eligibility.
7. Once pre-approved, a bank representative will contact you for document verification or to schedule a physical KYC visit.

Credit Limit: What to Expect

Credit limits are assigned based on your income, credit score, and banking relationship. Credit limits range from ₹50,000 to ₹3,00,000 for this card category, depending on your financial profile. HDFC Bank evaluates your existing debt-to-income ratio and your repayment history with other lenders before finalizing the limit. If you have an existing relationship with HDFC Bank, such as a salary account or a home loan, you are often eligible for a higher starting limit. You can request a limit increase after six to twelve months of disciplined card usage and timely bill payments.

Comparison Table

To help you decide if this is the right card for your wallet, here is how it compares to other popular entry-level travel and shopping cards in India:

If you exclusively fly Indigo, the HDFC 6E Rewards card is a better pick than general cashback cards because of the 6E Prime add-on, which provides a premium airport experience that cashback cards cannot match. However, if you want the flexibility to spend your rewards anywhere, the SBI Cashback or Axis Flipkart cards offer more versatile value.

Documents Required for HDFC 6E Rewards Indigo Application

You'll need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), Rent Agreement, or Property Tax Receipt
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements
• Employment Proof: Office ID card or employment letter

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), or Property Documents
• Income Proof: Latest 2 years' ITR with computation of income, 6 months' bank statements, and CA-certified financials
• Business Proof: Business registration certificate, GST registration (if applicable), or Shop Act License

Note: All documents must be self-attested. The bank may request additional documents during verification.

Who Should Get This Card?

Should you get this card? Here's who benefits most:

The Corporate Commuter: Imagine you are a sales manager earning ₹60,000 a month. You travel between Delhi and Mumbai twice a month using Indigo. By putting your grocery spends (₹5,000) and dining bills (₹5,000) on this card, you earn 100 6E Rewards every month. Over a year, combined with your welcome vouchers, you are looking at over ₹3,500 in direct travel savings plus several free meals and priority boardings. This card matches your lifestyle because it automates the perks you would otherwise pay for out of pocket.

The Budget-Conscious Vacationer: You earn ₹7.5 lakh a year as a freelance designer and take 3-4 domestic trips annually. You don't care about luxury lounges, but you hate waiting in long check-in lines and paying for airplane food. The 6E Prime voucher alone makes this card worth it for you. By using the card for your daily fuel and grocery spends, you effectively earn one "free" short-haul flight every year through accumulated points.

You might want to skip this card if:

• You prefer flying Air India or Vistara, as these rewards are locked strictly into the Indigo ecosystem.
• You spend heavily on dining and groceries (over ₹10,000 monthly), as the low reward cap will prevent you from earning points on your full expenditure.
• You are looking for airport lounge access, as this specific variant does not offer any complimentary lounge visits.

BankKaro Expert Review

Based on the card's features, the HDFC 6E Rewards Indigo Credit Card excels at providing immediate value for a low entry price. Most cards in the ₹500 bracket offer generic reward points that take forever to accumulate. This card gives you a flight voucher that covers the cost of the card for three years in one go. That is a massive win for the consumer.

The biggest limitation is the restrictive reward capping. Capping 6E Rewards at 100 per month for dining and groceries is quite stingy. It means any spend beyond ₹5,000 in those categories earns you nothing extra in rewards. Furthermore, the lack of any airport lounge access is a notable omission for a travel-branded card, even at this price point. Many competitors offer at least one lounge visit per quarter.

Our verdict: Choose this card if you are an Indigo loyalist who wants a "set it and forget it" tool to lower your travel costs. It is an excellent secondary card to keep just for the welcome benefits and fuel surcharge waivers. However, if you are a heavy spender, you will find more value in the "XL" variant of this card or a general cashback card that doesn't cap your earnings so aggressively.

Terms and Conditions

Before applying, keep these specific terms in mind to ensure you get your rewards:

• The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.
• A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards.
• Welcome benefits are only triggered after the payment of the joining fee and meeting the transaction criteria of 3 spends per month for the first 3 months.
• 6E Rewards are not earned on rent payments, insurance, or government transactions.
• For complete terms and conditions, refer to the bank's official website or customer care.